FHA Loans are made by Private Mortgage Lenders. FHA Loan are then insured by the Federal Housing Administration, a Federal Agency that is within HUD, the U.S. Department of Housing and Urban Development. The FHA does not loan money direct to borrowers. It provides lenders with default protection through mortgage insurance (MIP) in the event the borrower defaults on his or her loan obligation.

FHA Loans are available to all buyers, FHA Loans do not have an income maximum, and are available to First Time Home Buyers as well as second time Home Purchasers. FHA loan guidelines allow many creditworthy families to purchase homes or refinance home who otherwise do not meet requirements for conventional loans.

FHA loan programs require just 3.5% down payment, which can be from the borrowers own funds or a gift from qualified sources. FHA Loan rates on competitive vs conventional loan rates, even with lower down payment requirements than conventional loans.

Licensing and Disclosures

California Residential Mortgage Lender registered by the Department of Corporations

Georgia Residential Mortgage Licensee #39449

VanDyk Mortgage is a private company specializing in VA & FHA financing, VanDyk Mortgage Corp is not a government agency.

NMLS ID: 3035 - VanDyk Mortgage Corp

NMLS ID 220268 Brian Skaar Loan Originator

NY Disclosure: Website authorization has not been approved by the New York State Department of Financial Services. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site.